Welcome to the retirement planning examples! These examples show real-world scenarios to help you understand different approaches to retirement planning using this free, open-source retirement calculator package.
# Run any example
npx ts-node examples/basic-retirement-gap-analysis.ts
npx ts-node examples/lifestyle-based-retirement-planning.ts
npx ts-node examples/advanced-dynamic-investment-strategies.tsFile: basic-retirement-gap-analysis.ts
Perfect for: People who have a specific retirement balance goal (like "$1 million") and want to see if their current savings rate is sufficient.
What you'll learn:
- ✅ How to calculate your "retirement gap"
- ✅ The power of compound interest over time
- ✅ Why inflation matters for long-term planning
- ✅ How small increases in contributions make huge differences
Sample output:
🚨 RETIREMENT GAP: $234,567 (23.5% short)
💡 Additional monthly needed: $89
That's only $2.97 more per day!
File: lifestyle-based-retirement-planning.ts
Perfect for: People who think in terms of "I want to spend $X per year in retirement" rather than accumulating a lump sum.
What you'll learn:
- ✅ How the 4% withdrawal rule works in practice
- ✅ Working backwards from desired lifestyle to savings needed
- ✅ Comparing different retirement lifestyle scenarios
- ✅ The shocking impact of inflation over 30-40 years
Sample output:
🏠 To spend $80,000/year, you need: $2,000,000 in retirement savings
💸 Monthly contribution needed: $547
🔥 That's only $18.23 per day!
File: advanced-dynamic-investment-strategies.ts
Perfect for: Advanced users who want to model changing investment strategies over time (like target-date funds) and compare sophisticated approaches.
What you'll learn:
- ✅ How investment allocation changes as you age
- ✅ Different glidepath strategies (conservative to aggressive)
- ✅ Popular strategies like "100 minus age" equity allocation
- ✅ How dynamic strategies can optimize returns over time
- ✅ Why front-loaded returns compound more effectively
Sample output:
🎉 YOUR MONEY GUY SHOW RESULTS:
Final retirement balance: $1,847,293
Total contributions: $360,000
FREE money from compound growth: $1,487,293
Your effective annual return: 8.1%
Monthly retirement income (4% rule): $6,156
| Your Situation | Recommended Example |
|---|---|
| "I want to save $1 million for retirement" | Basic Retirement Gap Analysis |
| "I want to spend $60K/year in retirement" | Lifestyle-Based Planning |
| "I want to optimize my investment strategy over time" | Advanced Dynamic Investment Strategies |
| "I'm just starting and want to understand the basics" | Basic Retirement Gap Analysis |
| "I want to see different retirement lifestyle costs" | Lifestyle-Based Planning |
For every $40,000/year you want in retirement income, you need about $1,000,000 in savings.
Starting retirement savings at 25 vs 35 can mean the difference between saving $300/month vs $800/month for the same retirement outcome.
At 2.5% inflation, prices double every 28 years. $50,000 today will cost $100,000 in 28 years.
Albert Einstein allegedly called compound interest "the eighth wonder of the world." These examples show why.
Each example is heavily commented and easy to modify:
// Change these variables to match your situation:
const startingBalance: number = 25000; // Your current savings
const desiredBalance: number = 1500000; // Your retirement goal
const yearsUntilRetirement: number = 30; // Time horizon
const interestRate: number = 7; // Expected annual return
const currentContributionAmount: number = 400; // Monthly savingsThese examples are designed to be:
- 📖 Self-explanatory - Lots of comments and context
- 🎓 Educational - Learn financial concepts through real examples
- 💡 Actionable - Get specific advice on what to do next
- 🔧 Customizable - Easy to modify for your personal situation
- Run the examples to see how they work
- Modify the variables to match your situation
- Compare different scenarios to optimize your strategy
- Use the insights to make real changes to your retirement planning
This free, open-source package makes retirement planning accessible to everyone. Each example teaches core concepts while providing actionable insights for your financial future.
Remember: These examples assume steady returns and inflation rates. Real markets fluctuate. Consider multiple scenarios and consult with financial professionals for personalized advice.
Happy planning! 🎯 Your future self will thank you for starting today.